Blood test, basic metabolic panel
Facility: Menorah Medical Center
Billing Code: 80048 (CPT)
- CPT Billing Code: 80048
- Insurance Median: $16
- Cash Discount Price: $596
- vs. Medicare Baseline: 1.89x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. Medicare
Understanding this gauge: We use the federal Medicare rate of $8.46 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Cigna | $4 - $477 | 47% |
| Blue Cross Blue Shield | $8 - $268 | 95% |
| Humana | $8 - $21 | 95% |
| Devoted Health | $8 | 95% |
| Home State Health Plan | $8 | 95% |
| Coventry | $8 - $240 | 95% |
| Aetna | $8 - $304 | 95% |
| United | $8 - $268 | 95% |
| Amerigroup | $8 | 95% |
| Wellcare | $9 | 106% |
| Healthyblue | $9 | 106% |
| Triwest Health Alliance | $9 | 106% |
| Celtic | $9 | 106% |
| Pyramid Life | $9 | 106% |
| Unicare | $9 | 106% |
| Medicaid / KanCare | $9 | 106% |
| Oscar | $13 | 154% |
| Multiplan | $15 - $441 | 177% |
| Corvel Corporation | $18 - $388 | 213% |
| Oha Network | $19 - $298 | 225% |
| Ambetter / Centene | $111 | 1312% |
| Nhc Advantage | $113 | 1336% |
| Wppa Providrs Care Network | $119 | 1407% |
| Universal Healthcare | $209 | 2470% |
| Coventry Kc Mo | $244 | 2884% |
| College Park Family Care Center | $256 | 3026% |
| Cco, Inc. | $447 | 5284% |
| Focus Healthcare Mgmt, Inc | $447 | 5284% |
Consumer Guidance & Cost Commentary
For this blood test at Menorah Medical Center in Overland Park, KS, the cash price is $596.00, which matches the facility's cash median. This rate is significantly higher than the state average, as indicated by a ratio of 1.9 times the Medicare benchmark of $8.46. While commercial insurance plans like Cigna and Blue Cross Blue Shield negotiate rates ranging from $4 to $477, these negotiated amounts often exceed the cash price for patients with high-deductible plans. In such cases, paying the cash rate directly can be more cost-effective than relying on insurance, provided the patient has not yet met their deductible or is facing high out-of-pocket maximums.
Patients should proactively ask the hospital about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront fee reductions can lower the total cost by 20% to 50%. It is important to verify that any insurance claim submitted will not trigger balance billing, especially if ancillary services like emergency physicians or lab tests are out-of-network, which could result in unexpected charges beyond the negotiated rate. To ensure accuracy, consumers should request a full itemized bill rather than accepting a summary invoice, as detailed line-by-line statements are the most effective way to identify errors, unbundled codes, or services not rendered.